Phu Nhuan Jewelry JSCSTC:PNJ +0.16%99 Days Payable is 2.03 as of Mar. 2026, which is 81% below its 10-year median of 10.90. GuruFocus rates STC:PNJ with a GF Score™ of 99/100 and a GF Value™ of ₫70,536.04 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,098 Retail - Cyclical companies, Phu Nhuan Jewelry JSC ranks worse than 96.45% on this metric.
Phu Nhuan Jewelry JSC Days Payable Historical Data
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The historical data trend for Phu Nhuan Jewelry JSC's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Luxury Goods subindustry, Phu Nhuan Jewelry JSC's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Phu Nhuan Jewelry JSC Days Payable vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Phu Nhuan Jewelry JSC's Days Payable distribution charts can be found below:
* The bar in red indicates where Phu Nhuan Jewelry JSC's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Phu Nhuan Jewelry JSC's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Phu Nhuan Jewelry JSC (STC:PNJ) has a Days Payable of 2.03 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Phu Nhuan Jewelry JSC and its competitors. This is 81% below median its historical median of 10.90. Over the past decade, Phu Nhuan Jewelry JSC's Days Payable has ranged from 3.26 to 15.20. According to the industry distribution chart, Phu Nhuan Jewelry JSC ranks #1059 out of 1098 companies in the Retail - Cyclical industry, placing it in the top 96.4%.
Is Phu Nhuan Jewelry JSC's Days Payable too high?
Phu Nhuan Jewelry JSC's current Days Payable of 2.03 is 81% below median its 10-year median of 10.90. Over the past 10 years, this metric has ranged from a low of 3.26 to a high of 15.20. The Retail - Cyclical industry median Days Payable is 51.76. Phu Nhuan Jewelry JSC's value of 2.03 is 96.1% below this industry median. Based on the distribution chart, Phu Nhuan Jewelry JSC ranks #1059 out of 1098 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Phu Nhuan Jewelry JSC has a GF Score™ of 99/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Phu Nhuan Jewelry JSC's Days Payable compare to TPR and SIG?
According to the Retail - Cyclical industry distribution chart, Phu Nhuan Jewelry JSC ranks #1059 out of 1098 companies for Days Payable. This places Phu Nhuan Jewelry JSC in the lower half of its industry. The industry median Days Payable is 51.76. Phu Nhuan Jewelry JSC's value of 2.03 is 96.1% below this benchmark. Historically, Phu Nhuan Jewelry JSC's own Days Payable has ranged from 3.26 to 15.20 over the past decade. While the company's 10-year median is 10.90 vs. the industry median of 51.76, Phu Nhuan Jewelry JSC has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Retail - Cyclical company?
The median Days Payable among Retail - Cyclical companies is 51.76, based on 1,098 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Phu Nhuan Jewelry JSC's current Days Payable of 2.03 is 96.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Phu Nhuan Jewelry JSC and its competitors. For the Retail - Cyclical industry, the median Days Payable is 51.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phu Nhuan Jewelry JSC's current Days Payable is 2.03, which is 81% below median its own 10-year median of 10.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phu Nhuan Jewelry JSC stock overvalued right now?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC (STC:PNJ) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫70,536.04, compared to a current price of ₫63,100.00 — trading 10.5% below its estimated fair value. The current Days Payable is 2.03, which is 81% below median its 10-year median of 10.90 and 96.1% below the Retail - Cyclical industry median of 51.76. Phu Nhuan Jewelry JSC's overall GF Score™ is 99/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Phu Nhuan Jewelry JSC (STC:PNJ), the current Days Payable is 2.03 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Phu Nhuan Jewelry JSC (STC:PNJ) Overvalued in 2026?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC stock appears to be undervalued.
The current stock price of ₫63,100.00 is trading 10.5% below its estimated GF Value™ of ₫70,536.04.
GuruFocus considers Phu Nhuan Jewelry JSC to be Modestly Undervalued.
Key valuation signals for STC:PNJ:
Days Payable: 2.03 (81% below median its 10-year median of 10.90)
GF Value™: ₫70,536.04 vs. price of ₫63,100.00 (10.5% below fair value)
Industry Position: 96.1% below the Retail - Cyclical median (#1059 of 1098)
No single metric tells the full story. See the STC:PNJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phu Nhuan Jewelry JSC is engaged in the manufacturing and trading of gold, silver, jewelry, and gemstones, and imports and exports jewelry in gold, silver, and gemstones. The other activities are mainly trading accessories and jewelry inspection services. It offers products such as rings, earrings, bracelets, pendants, necklaces, etc., under different brands such as CAO Fine Jewellery, Mancode by PNJ, Style by PNJ, PNJArt, PNJ Silver and Accessories, and others. Geographically, the company conducts its operations only in Vietnam.
99GF Score
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